Multicomputer processing of user data with centralized event control

ABSTRACT

Aspects of the disclosure relate to multicomputer processing of vehicle operational data from telematics devices and other sources with centralized event control. An event control computing platform may receive vehicle operational data from a telematics device associated with a user. Subsequently, the event control computing platform may identify, based on the received data, whether at least one criterion associated with the user has been satisfied. If the received data indicates that the at least one criterion associated with the user has been satisfied, then the event control computing platform may generate a command configured to cause a change to a subunit of user data and then may transmit the generated command to a subunit provisioning server.

CROSS-REFERENCE TO RELATED APPLICATIONS

The present application is a continuation of and claims priority to U.S.patent application Ser. No. 15/830,124 filed on Dec. 4, 2017, which isincorporated by reference in its entirety herein.

BACKGROUND

Aspects of the disclosure relate to electrical computers, digitalprocessing systems, and multicomputer data processing. In particular,one or more aspects of the disclosure relate to enabling multicomputerprocessing of data from telematics devices with centralized eventcontrol.

As computer systems are increasingly utilized to provide automated andelectronic services, such computer systems may obtain and maintainincreasing amounts of various types of sensitive information, andensuring the safety, security, and accuracy of this information may beincreasingly important. In many instances, however, it may be difficultto ensure the safety and security of such information while alsooptimizing the efficient and effective technical operations of thecomputer systems that process such information and/or provide suchautomated and electronic services.

SUMMARY

Aspects of the disclosure provide effective, efficient, scalable, andconvenient technical solutions that address and overcome the technicalproblems associated with providing information security and optimizingthe efficient and effective technical operations of computer systems. Inparticular, one or more aspects of the disclosure provide techniques forprocessing user data using multicomputer data processing technology andcentralized event control to improve information security and enhancetechnical performance.

In accordance with one or more embodiments, an event control computingplatform having at least one processor, a memory, and a communicationinterface may establish, via the communication interface, a connectionto one of a plurality of telematics devices associated with a user.While the connection is established, the event control computingplatform may receive vehicle operational data from the one of theplurality of telematics devices associated with the user. Subsequently,the event control computing platform may identify, based on the vehicleoperational data, whether at least one criterion associated with theuser has been satisfied. Then the event control computing platform maydetermine, based on the vehicle operational data, that the at least onecriterion associated with the user has been satisfied. Next, in responseto determining that at least one criterion associated with the user hasbeen satisfied, the event control computing platform may generate acommand configured to cause a change to a subunit of user data. Then theevent control computing platform may transmit, via the communicationinterface, the command to a subunit provisioning server.

In some embodiments, the vehicle operation data may comprise real-timevehicle operational data. In other embodiments, the at least onecriterion associated with the user may comprise driving a vehicleassociated with the user below a predetermined speed. In otherembodiments, the at least one criterion associated with the user maycomprise driving a vehicle associated with the user within apredetermined geographic area. In yet other aspects, the at least onecriterion associated with the user may comprise not exceeding a maximumrate at which pressure is applied to a braking mechanism associated witha vehicle of the user.

In further aspects, the event control computing platform may generate anoutput based on the change to the subunit of the user data. In someaspects, the event control computing platform may transmit a firstportion of the output to a user computing device and a second portion ofthe output to a primary unit provisioning server. In other aspects, theevent control computing platform may transmit a first portion of theoutput to a user computing device, a second portion of the output to aprimary unit provisioning server, and a third portion of the output to asubunit provisioning server.

In some aspects, the event control computing platform may determine thatthe at least one criterion associated with the user is no longersatisfied (e.g., after determining that the at least one criterionassociated with the user is satisfied, making a second, subsequentdetermination that the at least one criterion associated with the useris not satisfied). Further still, the event control computing platformmay generate a second command configured to undo the change to thesubunit of the user data. In other aspects, the event control computingplatform may transmit, via the communication interface, the secondcommand to the subunit provisioning server.

In other aspects, the user data may be associated with a first levelbefore the change to the subunit of the user data and the subunit of theuser data may be associated with a second level after the change to thesubunit of the user data.

These features, along with many others, are discussed in greater detailbelow.

BRIEF DESCRIPTION OF THE DRAWINGS

The present disclosure is illustrated by way of example and not limitedin the accompanying figures in which like reference numerals indicatesimilar elements and in which:

FIGS. 1A and 1B depict an illustrative computing environment forcontrolling events executed across multiple computing platforms anddevices in accordance with one or more example embodiments;

FIGS. 2A-2F depict an illustrative event sequence for multicomputerprocessing of user data with centralized event control in accordancewith one or more example embodiments;

FIG. 3 depicts an example graphical user interface to obtainauthorization for making a change to user data in accordance with one ormore example embodiments;

FIG. 4 depicts an example message transmitted from an event controlcomputing platform in accordance with one or more example embodiments;and

FIG. 5 depicts an illustrative method for multicomputer processing ofuser data with centralized event control in accordance with one or moreexample embodiments.

DETAILED DESCRIPTION

In the following description of various illustrative embodiments,reference is made to the accompanying drawings, which form a parthereof, and in which is shown, by way of illustration, variousembodiments in which aspects of the disclosure may be practiced. It isto be understood that other embodiments may be utilized, and structuraland functional modifications may be made, without departing from thescope of the present disclosure.

It is noted that various connections between elements are discussed inthe following description. It is noted that these connections aregeneral and, unless specified otherwise, may be direct or indirect,wired or wireless, and that the specification is not intended to belimiting in this respect.

Aspects of the disclosure relate to changing a subunit of dataassociated with a user in response to information received from one ormore telematics devices. In some embodiments, the information from thetelematics devices may correspond to vehicle operational data.

FIGS. 1A and 1B depict an illustrative computing environment forcontrolling events executed across multiple computing platforms anddevices in accordance with one or more example embodiments. Referring toFIG. 1A, computing environment 100 may include one or more computersystems, one or more computer networks, and/or other computinginfrastructure. For example, computing environment 100 may include anevent control computing platform 110, a primary unit provisioning server120, a subunit provisioning server 130, a private network 140, a publicnetwork 150, a first user computing device 160, a second user computingdevice 170, a first telematics device 180, and a second telematicsdevice 190.

As discussed in greater detail below, event control computing platform110 may include one or more computing devices configured to perform oneor more of the functions described herein. For example, event controlcomputing platform 110 may include one or more computers (e.g., laptopcomputers, desktop computers, servers, server blades, or the like) thatare configured to orchestrate event control operations across multiplecomputer systems and devices in computing environment 100.

Primary unit provisioning server 120 may include one or more computingdevices configured to provision primary units of data related to one ormore users. Primary unit provisioning server 120 may also transmit, toevent control computing platform 110 and/or one or more other systems,user information to event control computing platform 110 so that eventcontrol computing platform 110 may determine when events should proceedand/or otherwise be executed. In one example, the one or more events maycorrespond to initiating a sub-insurance policy for a given user whenpredetermined criteria associated with analysis of vehicle operationaldata have been satisfied. In this example, primary unit provisioningserver 120 may provide primary insurance to insure the user and when thepredetermined criteria have been satisfied, event control computingplatform 110 may change a subunit of the user's data such that asub-insurance policy insures the user. Event control computing platform110 may generate and transmit a command to subunit provisioning server130 to provide sub-insurance to insure the user.

Event control computing platform 110 may base the decision to changeuser data on various types of information, including telematics data,demographic data, transaction data, financial data, etc. For example,platform 110 may change user data based on how the user drives hisvehicle during a predetermined time period. User vehicle operationaldata may be provided by telematics devices 180 and 190 to event controlcomputing platform 110 through public network 150 and private network140. In some aspects, telematics devices 180 and 190 may be associatedwith one or more vehicles operated by a given user or may be associatedwith different vehicles associated with different users. In general,computing environment 100 may include any number of telematics devices180, 190. Devices 180 and 190 may monitor various parameters of thevehicle while the user is driving the vehicle. For example, devices 180and 190 may monitor the speed at which the user is driving the vehicle,the time of day at which the user drives the vehicle, and the like. Insome aspects, telematics devices 180 and 190 may provide thisinformation directly to primary unit provisioning server 120 or subunitprovisioning server 130 and primary unit provisioning server 120 orsubunit provisioning server 130 may then forward this information toevent control computing platform 110. In other aspects, devices 180 and190 may transmit this information directly to event control computingplatform 110.

Event control computing platform 110 may also generate an output basedon the change to a subunit of user data. In one example, the outputgenerated by platform 110 may correspond to a sub-insurance benefitresulting from initiating a sub-insurance policy associated withsub-insurance insuring a given user.

In one example, primary unit provisioning server 120 may be maintainedby a primary insurance provider and may provision primary insurance toone or more users, such as users of user computing devices 160, 170. Ingeneral, computing environment 100 may include any number of usercomputing devices 160, 170 associated with many different users. Primaryunit provisioning server 120 may also communicate with event controlcomputing platform 110 and subunit provisioning server 130 throughprivate network 140 and/or public network 150. In some aspects, platform110 may be maintained by an organization that operates either primaryunit provisioning server 120 or subunit provisioning server 130. Inother examples, platform 110 may be maintained by an organizationdifferent from the organization that operates primary unit provisioningserver 120 or subunit provisioning server 130.

In one example, subunit provisioning server 130 may be maintained by asub-insurance provider and may provision sub-insurance to a given userwhen event control computing platform 110 has determined that at leastone criterion associated with the user has been satisfied. In someaspects, this criterion may be related to vehicle operational datareceived from telematics devices 180, 190. In some aspects, thesub-insurance provided by sub-insurance provisioning server 130 may beassociated with a level that is different from the level associated withthe primary insurance provided by primary unit provisioning server 120.In one example, this level may correspond to a premium rate associatedwith the insurance provided by primary unit provisioning server 120and/or subunit provisioning server 130.

Computing environment 100 also may include one or more networks, whichmay interconnect one or more of event control computing platform 110,primary unit provisioning server 120, subunit provisioning server 130,user computing device 160, user computing device 170, telematics device180, and telematics device 190. For example, computing environment 100may include private network 140, which may be owned and/or operated by aspecific organization and/or which may interconnect one or more systemsand/or other devices associated with the specific organization. Forexample, event control computing platform 110, primary unit provisioningserver 120, and subunit provisioning server 130 may be owned and/oroperated by a specific organization, such as an affiliation of insurancecompanies, and private network 140 may interconnect event controlcomputing platform 110, primary unit provisioning server 120, subunitprovisioning server 130, and one or more other systems and/or devicesassociated with the organization. Additionally, private network 140 mayconnect (e.g., via one or more firewalls) to one or more externalnetworks not associated with the organization, such as public network150. Public network 150 may, for instance, include the internet and mayconnect various systems and/or devices not associated with theorganization operating private network 140. For example, public network150 may interconnect user computing devices 160, 170, telematics devices180, 190, and/or various other systems and/or devices.

In some arrangements, the computing devices that make up and/or areincluded in event control computing platform 110, primary unitprovisioning server 120, subunit provisioning server 130, user computingdevices 160, 170, and telematics devices 180, 190 may be any type ofcomputing device capable of receiving a user interface, receiving inputvia the user interface, and communicating the received input to one ormore other computing devices. For example, the computing devices thatmake up and/or are included in event control computing platform 110,primary unit provisioning server 120, subunit provisioning server 130,user computing devices 160, 170, and telematics devices 180, 190 may, insome instances, be and/or include server computers, desktop computers,laptop computers, tablet computers, smart phones, or the like that mayinclude one or more processors, memories, communication interfaces,storage devices, and/or other components. As noted above, and asillustrated in greater detail below, any and/or all of the computingdevices that make up and/or are included in event control computingplatform 110, primary unit provisioning server 120, subunit provisioningserver 130, user computing devices 160, 170, and telematics devices 180,190 may, in some instances, be special-purpose computing devicesconfigured to perform specific functions.

Referring to FIG. 1B, event control computing platform 110 may includeone or more processor(s) 111, memory(s) 112, and communicationinterface(s) 113. A data bus may interconnect processor(s) 111,memory(s) 112, and communication interface(s) 113. Communicationinterface(s) 113 may be one or more network interfaces configured tosupport communications between event control computing platform 110 andone or more networks (e.g., private network 140, public network 150).For example, event control computing platform 110 may establish one ormore connections and/or communication links to one or more other systemsand/or devices (e.g., primary unit provisioning server 120, subunitprovisioning server 130, user computing devices 160, 170, and telematicsdevices 180, 190) via communication interface(s) 113, and event controlcomputing platform 110 may exchange data with the one or more othersystems and/or devices (e.g., primary unit provisioning server 120,subunit provisioning server 130, user computing devices 160, 170, andtelematics devices 180, 190) via communication interface(s) 113 whilethe one or more connections and/or communication links are established.Memory(s) 112 may include one or more program modules havinginstructions that when executed by processor(s) 111 cause event controlcomputing platform 110 to perform one or more functions described hereinand/or one or more databases that may store and/or otherwise maintaininformation which may be used by such program modules and/orprocessor(s) 111. In some instances, the one or more program modulesand/or databases may be stored by and/or maintained in different memoryunits of event control computing platform 110 and/or by differentcomputing devices that may form and/or otherwise make up event controlcomputing platform 110.

For example, memory(s) 112 b may have, store, and/or include an eventcontrol module 112 a, an event control database 112 b, a connectionmanagement module 112 c, and a machine learning engine 112 d. Eventcontrol module 112 a may have, store, and/or include instructions thatdirect and/or cause event control computing platform 110 to orchestrateevent control operations across multiple computer systems and devices incomputing environment 100 and perform other associated functions, asdiscussed in greater detail below. Event control database 112 b maystore information used by event control computing platform 110 inorchestrating event validation operations and event control operationsacross multiple computer systems and devices in computing environment100 and in performing other associated functions. Connection managementmodule 112 c may have, store, and/or include instructions that directand/or cause event control computing platform 110 to establish one ormore connections and/or communication links to one or more other systemsand/or devices (e.g., primary unit provisioning server 120, subunitprovisioning server 130, user computing devices 160, 170, and telematicsdevices 180, 190) via communication interface(s) 113 and/or to manageand/or otherwise control the exchanging of data with the one or moreother systems and/or devices (e.g., primary unit provisioning server120, subunit provisioning server 130, user computing devices 160, 170,and telematics devices 180, 190) via communication interface(s) 113while the one or more connections and/or communication links areestablished. Machine learning engine 112 d may have, store, and/orinclude instructions that direct and/or cause event control computingplatform 110 to dynamically analyze data collected by event controlcomputing platform 110 based on historical data sets and/or presentoperations and automatically optimize the functions provided by eventcontrol computing platform 110 based on analyzing such data.

FIGS. 2A-2F depict an illustrative event sequence for multicomputerprocessing of user data with centralized event control in accordancewith one or more example embodiments. Referring to FIG. 2A, at step 201,event control computing platform 110 may establish, via communicationinterface 113, a connection to a telematics device 180 associated with avehicle of a given user and in step 202, event control computingplatform 110 may receive vehicle operational data from telematics device180. In general, event control computing platform 110 may establishconnections to and receive vehicle operational data from any number oftelematics devices.

In one example, event control computing platform 110 may be operated byan insurance company (e.g., a company that provides primary insuranceproducts) or an affiliation of insurance companies. In this example, aprimary insurance provider may have to use more closely regulated modelsto price risk than a sub-insurance provider. Even after a sub-insuranceprovider provides insurance coverage for the user (e.g., through subunitprovisioning server 130), the user may still be serviced by the primaryinsurance provider (e.g., through primary unit provisioning server 120).In this way, the user may be served seamlessly by the primary insuranceprovider even though a sub-insurance provider may be providing insurancecoverage for the user at any given time. In this example, asub-insurance provider may price risk associated with a sub-insurancepolicy based on factors that are different from those used by theprimary insurance provider. In other aspects, a sub-insurance providermay price risk associated with a sub-insurance policy in real-time asthe sub-insurance provider acquires new telematics data related to theuser. In this aspect, insurance coverage by the sub-insurance providermay be triggered based on satisfaction of predetermined criteriaassociated with the telematics data.

In this example, telematics data may be received by event controlcomputing platform 110 from a telematics device 180 associated with avehicle operated or owned by a given user. Telematics device 180 may beany type of computing device configured to receive data associated withinsured property of the user, including intelligent personal assistantdevices capable of voice interaction, music playback, making to-dolists, setting alarms, streaming podcasts, playing audiobooks, andproviding weather, traffic, and other real time information such asnews. Telematics device 180 may also be a smart thermostat that isprogrammable, has self-learning capabilities, and is Wi-Fi enabled.Additionally or alternatively, the telematics data may be receiveddirectly from the user or from primary unit provisioning server 120operated by a primary insurer. Platform 110 may also process thereceived data by formatting it appropriately for later use. Moreover, inthis example, the insurance policy covering the insured items inquestion may be any type of insurance policy, including a vehicle orhomeowner's insurance policy. In the example where the insurance policyis relates to property other than a vehicle, platform 110 may receiveinformation from a computing device 180 related to the insured property(e.g., home, etc.) in step 202.

In this example, event control computing platform 110 may first receivea notice from primary unit provisioning server 120 that the user isinsured via a primary insurance policy at a first premium rate. Thenotice may be transmitted to subunit provisioning server 130 and maysolicit a bid from subunit provisioning server 130 for sub-insuring atleast some of the risk associated with the user's primary insurancepolicy. Once this notice is received, subunit provisioning server 130may determine an appropriate bid (e.g., a second premium rate) for agiven sub-insurer and transmit this bid back to event control computingplatform 110. Platform 110 may then evaluate the bid and accept orreject the bid.

Moreover, the received telematics data may include both real-time andnon real-time data. For example, telematics device 180 may capture dataabout the operational state of a vehicle. The operational state of thevehicle may include information related to the location that the vehiclehas traveled, inspection history, speed, distances traveled, type andmodel of the vehicle, average braking time, time during which thevehicle is used, weather conditions during vehicle use, type of terrainover which the vehicle is driven, and average acceleration/decelerationtime, among other things.

Then, at step 203, event control computing platform 110 may identifywhether at least one criterion associated with the user has beensatisfied to allow a subunit of user data to be changed. Thisidentification may occur based on an analysis of the received vehicleoperational data and/or other information in view of predefined rulesprogrammed into platform 110 (e.g., machine learning engine 112 d). Ifplatform 110 determines that the at least one criterion associated withthe user has not been satisfied to allow a subunit of user data to bechanged, then the process may stop. However, in step 204, platform 110may determine that the at least one criterion associated with the userhas been satisfied to allow a subunit of user data to be changed.

In one example, the change to a subunit of user data may correspond toinitiation of a sub-insurance policy by subunit provisioning server 130.Thus, in this example, the user may initially be insured by a primaryinsurance policy provisioned by primary unit provisioning server 120 andonce platform 110 determines that predetermined criteria have beensatisfied, the user may then be insured by a sub-insurance policyprovisioned by sub-insurance provisioning server 130. In this regard,platform 110 may monitor the user's driving behavior in real-time todetermine if one or more criteria have been satisfied so that asub-insurance policy can be initiated. If at least one criterionassociated with the telematics data has been satisfied, then platform110 may determine that a sub-insurance policy should be initiated.

In this example, the criteria used to determine whether a sub-insurershould insure part of the risk associated with the primary insurancepolicy of the user may be determined from any information found in thereceived information. In other aspects, the criteria used to initiate asub-insurance policy may be based on other information about the user(e.g., financial information, transaction information, demographicinformation, etc.), whether or not this information has been receiveddirectly from telematics device 180. For example, the information usedto initiate a sub-insurance policy can be based on information directlyacquired from primary unit provisioning server 120, user device 160, ora third party database, such as a police records or motor vehiclerecords database. Further still, the criteria used to determine whethera sub-insurer should insure part of the risk associated with the primaryinsurance policy of the user may be based on simultaneous satisfactionof two or more criteria associated with the received data.

For example, platform 110 may determine that the trigger for starting asub-insurance policy associated with the user may be based on the amountof time that the user travels below a predetermined speed limit within apredetermined time period. In particular, platform 110 may determinethat a sub-insurance policy should be initiated when the user drivesbelow 55 miles per hour for greater than 70% of the time when driving aninsured vehicle during the most recent month. As another example,platform 110 may determine that the trigger for starting a sub-insurancepolicy may be based on the average braking time to come to a completestop when the user is driving an insured vehicle. In this example,platform 110 may determine that a sub-insurance policy should beinitiated when the user brakes on average for more than one-half secondto come to a complete stop while driving the insured vehicle during themost recent week. Further still, platform 110 may determine that thetrigger for starting a sub-insurance policy may be based on whether theuser brakes below a predetermined maximum braking rate (e.g., below apredetermined maximum rate of deceleration). In related aspects, thetrigger for terminating a sub-insurance policy may be based on whetherthe user brakes above this predetermined maximum braking rate at orabove a threshold number of times.

When real-time vehicle operational data is used to trigger asub-insurance policy associated with the user, the sub-insurance policycan be initiated immediately based on current data. For example, thesub-insurance policy can be initiated by platform 110 based on aninstantaneous change in driving behavior. More specifically, in theexample above where the sub-insurance policy is triggered when thedriver drives below a predetermined speed limit, platform 110 maydetermine that a sub-insurance policy should be initiated immediatelyafter determining that the real-time telematics data indicates that theuser is driving the insured vehicle below 55 miles per hour. In otherwords, the sub-insurance policy may be initiated as the user is drivingher vehicle and changes from driving above 55 miles per hour to drivingbelow 55 miles per hour.

With reference to FIG. 2B, once event control computing platform 110determines that the at least one criterion for changing user data hasbeen satisfied, platform 110 may transmit a request for authorizing thechange to the user data to user device 160 in step 205 and may receiveauthorization to change the user data from user device 160 in step 206.If user device 160 does not provide authorization to change user data,then the process may stop and platform 110 may not proceed with changinguser data. In other examples, platform 110 may not request authorizationfrom the user of user device 160 either because the user has given priorauthorization or because authorization is not required. In one example,the authorization requested by platform 110 may correspond to anauthorization for initiating a sub-insurance policy for the user.

To obtain authorization for making a change to user data, event controlcomputing platform 110 may cause user device 160 to display and/orotherwise present a graphical user interface similar to graphical userinterface 300, which is illustrated in FIG. 3 . As shown in FIG. 3 ,graphical user interface 300 may include information related to thechange in user data. For example, interface 300 may include the proposeddate of the change to the user data and the type of change beingrequested (e.g., initiating a sub-insurance policy). Interface 300 mayalso include information related to a price (e.g., monthly premium)associated with the sub-insurance policy. A user of user device 160 mayaccept or reject the proposed event by selecting the appropriate optionon interface 300.

With further reference to FIG. 2B, event control computing platform 110may also transmit a request for authorization to change user data toprimary unit provisioning server 120 in step 207 and may receiveauthorization to change user data from primary unit provisioning server120 in step 208. If primary unit provisioning server 120 does notprovide authorization to change user data, then the process may stop andplatform 110 may not proceed with changing user data. In one example,the authorization requested by platform 110 may correspond to anauthorization for initiating a sub-insurance policy for the user.

With reference to FIG. 2C, in step 209, event control computing platform110 may generate a command configured to change a subunit of user dataand then, in step 210, may transmit the command to change the subunit ofuser data to subunit provisioning server 130. In one example, thiscommand may be configured to initiate a sub-insurance policy for theuser and subunit provisioning server 130 may be managed by asub-insurance provider to provision sub-insurance policies to one ormore users.

Once the command to change a subunit of user data has been transmittedto subunit provisioning server 130, platform 110 may then transmit anotification of an actual change to a subunit of user data to userdevice 160 in step 211 and to primary unit provisioning server 120 instep 212. In one example, the change to the subunit of user data maycorrespond to an initiation of a sub-insurance policy.

With reference to FIG. 2D, next, in step 213, event control computingplatform 213 may generate additional output based on the change to theuser data. A first portion of this output may be transmitted to primaryunit provisioning server 120 in step 214, a u portion of the output maybe transmitted to subunit provisioning server 130 in step 215, and athird portion of the output may be transmitted to user device 160 instep 216. In one example, this additional output may correspond to asub-insurance benefit. The sub-insurance benefit may represent thesavings experienced by a primary insurance provider in insuring the userduring the time that the sub-insurance policy is in effect. In someexamples, platform 110 may not generate any additional output to betransmitted to various parties.

With reference to FIG. 2E, the process may then move to step 217 whereevent control computing platform 110 may identify if the at least onecriterion associated with the user is still satisfied. If the at leastone criterion associated with the user is still satisfied, then eventcontrol computing platform 110 may take no further action. However, atstep 218, event control computing platform 110 may determine that the atleast one criterion associated with the user is no longer satisfied. Inone example, this criterion may relate to vehicle operational datareceived from telematics device 180. For example, platform 110 maydetermine that the user is no longer travelling below a predeterminedspeed in his vehicle.

Next, at step 219, event control computing platform 110 may generate acommand configured to undo the change to the subunit of user data and instep 220, platform 110 may transmit the command to undo the change tothe user data to subunit provisioning server 130. In one example, thecommand configured to undo the change to the subunit of user data mayrelate to terminating a sub-insurance policy associated with the user.In some aspects, if more than one sub-insurance policy is in effect,platform 110 may cause only those sub-insurance policies associated withcriteria that are no longer satisfied to be terminated.

With reference to FIG. 2F, then, at step 221, event control computingplatform 110 may transmit, to user device 160, a notification of thefact that the change to the subunit of user data has been undone.Finally, at step 222, platform 110 may transmit, to primary unitprovisioning server 120, a notification of the fact that the change tothe subunit of user data has been undone. In one example, thisnotification may relate to the termination of a sub-insurance policyassociated with the user. In this example, when platform 110 terminatesthe sub-insurance policy associated with the user, primary unitprovisioning server 120 may resume providing primary insurance to theuser.

In the example where event control computing platform 110 controlsevents related to the initiation and termination of sub-insurance,assume that a primary insurance provider (via primary unit provisioningserver 120) charges a thirty year old female $100 a month for anautomobile insurance policy. Upon receipt of real-time telematics datafor the thirty-year old female, event control computing platform 110 maydetermine that a sub-insurer can insure this user for $70 per month,assuming that she avoids hard braking (defined by how quickly sheapplies pressure to the braking mechanism given how fast she isdriving). When she starts her morning drive to work, event controlcomputing platform 110 may begin to receive real-time telematics dataassociated with the trip, including data from sensors associated withhow fast she is driving and how much pressure she applies to the brakepedal. In some examples, event control computing platform 110 maymonitor real-time telematics data for a predetermined start-up timeperiod before making an initial decision to sub-insure a user. In thisexample, assume that there is no start-up period and that event controlcomputing platform 110 makes its initial decision of whether to initiatea sub-insurance policy as soon as the user brakes for the first time.After determining that the user avoided hard braking, platform 110 mayreceive authorization to initiate a sub-insurance policy from the user'scell phone (e.g., user device 160) and primary unit provisioning sever120. In some aspects, event control computing platform 110 may allowsubunit provisioning server 130 to initiate a sub-insurance policy ifplatform 110 determines that the sub-insurer has adequately priced thesub-insurance policy. If platform 110 determines that the price forsub-insuring the user is too high, then platform 110 may deny server 130the opportunity to sub-insure the user. In this example, assume thatplatform 110 determines that the sub-insurer has adequately priced thesub-insurance policy and so platform 110 allows subunit provisioningserver 130 to initiate a sub-insurance policy.

Thus, in this example, event control computing platform 110 maydetermine that the sub-insurance benefit is $30 per month ($100-$70).This benefit may be transferred by event control computing platform 110entirely to the primary insurance provider (i.e., to primary unitprovisioning server 120) or entirely to the user (i.e., to user device160). In other examples, platform 110 may determine that the entiresub-insurance benefit should be transmitted to the sub-insurer (i.e., tosub-insurance provisioning server 130). Alternatively, the benefit maybe shared between the user, the primary insurance provider, and/or thesub-insurer. In this example, assume that platform 110 determines thatthe sub-insurance benefit is to be shared between the user and theprimary insurance provider equally. Therefore, in this example, the userand the primary insurance provider may receive a benefit payment of $15per month from platform 110. Such decisions made by platform 110,including decisions about who shares the sub-insurance benefit and whichcriteria are used to trigger/terminate a sub-insurance policy, may beprogrammed into platform 110 based on business logic associated with thecollaboration between primary unit provisioning server 120 and subunitprovisioning server 130.

Furthermore, in this example, as soon as event control computingplatform 110 determines that the user has hard braked, platform 110 mayterminate the sub-insurance policy so that the user is allowed to beinsured solely by the primary insurance policy. For example, if platform110 determines that the user from the example above has not hard brakedfor the first two months of her sub-insurance policy, she may receive$15 the first month and another $15 the second month (assuming that thesub-insurance benefit is being shared equally between the user and theprimary insurance provider). If platform 110 then determines that theuser has hard braked half way through the third month, then platform 110may immediately cause the sub-insurance policy to be terminated. In someexamples, the user and/or the primary insurance provider may forfeit thesub-insurance benefit for the third month. In other examples, the userand/or primary insurance provider may be entitled to all or a pro-ratedportion of the sub-insurance benefit for the third month.

In this example, event control computing platform 110 may also receiveone or more bids for sub-insuring the user from different subunitprovisioning servers 130. These bids may be submitted by various typesof entities, including entities that specialize in providingsub-insurance, entities that provide both primary and sub-insurance, orany other entity. Bids may include a proposed sub-insurance premium rate(e.g., $30 a month) and may be contingent on satisfaction of one or morecriteria associated with a given user. In some aspects, this criteriamay be based on information gleaned from vehicle operational datatransmitted from telematics devices 180, 190. For example, asub-insurance provider may place a sub-insurance bid contingent on theuser driving during predetermined time periods in the day and within apredetermined zip code. Alternatively, a sub-insurance provider mayplace a bid contingent on the user following a predetermined vehiclemaintenance schedule or driving in a predetermined area (e.g., hills,mountains, city, suburbs, etc.). When more than one bid has beensubmitted by different subunit provisioning servers 130 to event controlcomputing platform 110, platform 110 may determine the lowest bid forsub-insuring the user. In some aspects, event control computing platform110 may determine a lowest bid for each criterion on which the bid isbased. For example, if two bids are received contingent on the userdriving below a predetermined speed limit and two additional bids arereceived contingent on the user driving within a predetermined zip code,platform 110 may determine the lowest bid from the first set of two bidscontingent on the user driving below a predetermined speed limit and thelowest bid from the second set of two bids contingent on the userdriving within a predetermined zip code. In other aspects, event controlcomputing platform 110 may group different criteria together to create alowest bid for a criteria group. Once at least one lowest bid has beendetermined by event control computing platform 110, platform 110 maythen transmit a conditional acceptance of sub-insurance to the entityproviding the lowest bid for each criterion or criteria group (e.g., agiven subunit provisioning server 130). The conditional acceptance mayalso be transmitted to primary unit provisioning server 120 associatedwith a primary insurance provider and/or to the relevant user computingdevice 160.

In addition, in this example embodiment, a user that has purchasedprimary insurance through a primary insurance provider may first have toapprove the sub-insurance process before any information about the useris sent to potential sub-insurers (i.e., to subunit provisioning server130) for sub-insuring the user's risk. In other aspects, the user mayfirst have to accept one or more bids before a conditional acceptance istransmitted to the subunit provisioning server 130 corresponding to theentity submitting the lowest bid for a given criterion. By requiring theuser to first accept a conditional offer of sub-insurance, the user maymaintain some control over how sub-insurance is administered on herprimary insurance policy and may veto a decision to market her primaryinsurance policy in the sub-insurance market. Involvement of the usermay also allow the user to become aware of the conditions on which theacceptance is made. For example, if a conditional acceptance is based onthe user driving below a predetermined speed threshold, the user cantarget her driving behavior to satisfy this condition.

In a related example, event control computing platform 110 may market asub-insurance policy to incentivize users to purchase a primaryinsurance policy. Moreover, platform 110 may also incentivize users topredetermined behavior by conditioning a sub-insurance benefit on thepredetermined behavior. For example, platform 110 may want toincentivize the user to drive more slowly. Therefore, platform 110 maycondition a sub-insurance benefit on exhibiting this behavior. In oneexample, platform 110 may transmit a message to user device 160 relatedto a sub-insurance opportunity, as shown in FIG. 4 . Message 400 mayindicate the name of the sub-insurance provider, a description of thesub-insurance product being marketed, and the various criteria that theuser would have to meet to be eligible for the product.

In another example, the user may receive feedback from event controlcomputing platform 110 on how to further reduce an insurance premiumassociated with a sub-insurance policy. For example, platform 110 maytransmit a message to the user stating that he may further reduce hissub-insurance premium if he refrains from driving his insured vehicleafter 10 p.m. or if he refrains from driving in the city. As anotherexample, the sub-insurance benefit may include non-cash benefits. Forexample, platform 110 may transmit a message to the user stating that acertified lifeguard would be provided by the sub-insurer for reducingrisk at a private pool party hosted by the user at the user's insuredhome.

In this example, event control computing platform 110 may determineinformation related to events in the user's life that may impact riskassociated with an insurance policy owned by the user. For example,platform 110 may determine an origin, destination, and/or a desiredarrival time associated with a road trip planned by the user (e.g., byinterfacing with an electronic calendar of the user, by communicatingwith a mobile device in which the user has inputted the destination,etc.). Once this information has been determined, platform 110 mayestimate the duration of a trip from the origin to the destination andthen may determine a recommended departure time from the origin.Platform 110 may further determine a sub-insurance benefit (e.g., for avehicle and/or a homeowner's insurance policy) to the user in responseto determining that the actual departure time for the trip is at orprior to the recommended departure time. Event control computingplatform 110 may then transmit a message with the sub-insurance benefitto the user (e.g., user computing device 160, 170).

FIG. 5 depicts an illustrative method for multicomputer processing ofuser data with centralized event control in accordance with one or moreexample embodiments. Referring to FIG. 5 , at step 505, a computingplatform having at least one processor, a memory, and a communicationinterface may establish, via the communication interface, a connectionto one of a plurality of telematics devices associated with a user.Subsequently, at step 510, the computing platform may receive, while theconnection is established, vehicle operational data from the one of theplurality of telematics devices associated with the user. Then, at step515, the computing platform may identify, based on the vehicleoperational data, whether at least one criterion associated with theuser has been satisfied, and at step 520, the computing platform maydetermine that the at least one criterion associated with the user hasbeen satisfied. At step 525, the computing platform may generate a firstcommand configured to cause a change to a subunit of user data inresponse to determining that the at least one criterion associated withthe user has been satisfied. Finally, in step 530, the computingplatform may transmit the first command to a subunit provisioningserver.

One or more aspects of the disclosure may be embodied in computer-usabledata or computer-executable instructions, such as in one or more programmodules, executed by one or more computers or other devices to performthe operations described herein. Generally, program modules includeroutines, programs, objects, components, data structures, and the likethat perform particular tasks or implement particular abstract datatypes when executed by one or more processors in a computer or otherdata processing device. The computer-executable instructions may bestored as computer-readable instructions on a computer-readable mediumsuch as a hard disk, optical disk, removable storage media, solid-statememory, RAM, and the like. The functionality of the program modules maybe combined or distributed as desired in various embodiments. Inaddition, the functionality may be embodied in whole or in part infirmware or hardware equivalents, such as integrated circuits,application-specific integrated circuits (ASICs), field programmablegate arrays (FPGA), and the like. Particular data structures may be usedto more effectively implement one or more aspects of the disclosure, andsuch data structures are contemplated to be within the scope of computerexecutable instructions and computer-usable data described herein.

Various aspects described herein may be embodied as a method, anapparatus, or as one or more computer-readable media storingcomputer-executable instructions. Accordingly, those aspects may takethe form of an entirely hardware embodiment, an entirely softwareembodiment, an entirely firmware embodiment, or an embodiment combiningsoftware, hardware, and firmware aspects in any combination. Inaddition, various signals representing data or events as describedherein may be transferred between a source and a destination in the formof light or electromagnetic waves traveling through signal-conductingmedia such as metal wires, optical fibers, or wireless transmissionmedia (e.g., air or space). In general, the one or morecomputer-readable media may be and/or include one or more non-transitorycomputer-readable media.

As described herein, the various methods and acts may be operativeacross one or more computing servers and one or more networks. Thefunctionality may be distributed in any manner, or may be located in asingle computing device (e.g., a server, a client computer, and thelike). For example, in alternative embodiments, one or more of thecomputing platforms discussed above may be combined into a singlecomputing platform, and the various functions of each computing platformmay be performed by the single computing platform. In such arrangements,any and/or all of the above-discussed communications between computingplatforms may correspond to data being accessed, moved, modified,updated, and/or otherwise used by the single computing platform.Additionally or alternatively, one or more of the computing platformsdiscussed above may be implemented in one or more virtual machines thatare provided by one or more physical computing devices. In sucharrangements, the various functions of each computing platform may beperformed by the one or more virtual machines, and any and/or all of theabove-discussed communications between computing platforms maycorrespond to data being accessed, moved, modified, updated, and/orotherwise used by the one or more virtual machines.

Aspects of the disclosure have been described in terms of illustrativeembodiments thereof. Numerous other embodiments, modifications, andvariations within the scope and spirit of the appended claims will occurto persons of ordinary skill in the art from a review of thisdisclosure. For example, one or more of the steps depicted in theillustrative figures may be performed in other than the recited order,and one or more depicted steps may be optional in accordance withaspects of the disclosure.

1. A computing platform, comprising: at least one processor; acommunication interface communicatively coupled to the at least oneprocessor; and memory storing computer-readable instructions that, whenexecuted by the at least one processor, cause the computing platform to:receive vehicle operational data from a computing device via aconnection using the communication interface; identify, based on ananalysis of the vehicle operational data, whether at least one criterionis satisfied; generate a first command configured to cause a change of aservice provider when the at least one criterion is satisfied; andtransmit, via the communication interface, the first command to aserver.
 2. The computing platform of claim 1, wherein the computingdevice is a telematics device.
 3. The computing platform of claim 1,wherein the service provider is an insurance provider that providesinsurance coverage.
 4. The computing platform of claim 1, wherein thevehicle operational data includes one or more of location data,inspection data, speed data, distance traveled data, vehicle informationdata, braking data, vehicle use data, weather data, environmental data,and acceleration and deceleration data.
 5. The computing platform ofclaim 1, wherein the at least one criterion is satisfied when a speedindicated by the vehicle operational data is below a predeterminedspeed.
 6. The computing platform of claim 1, wherein the at least onecriterion is satisfied when an average braking time indicated by thevehicle operational data to come to a complete stop is above athreshold.
 7. The computing platform of claim 1, wherein the at leastone criterion is satisfied when deceleration indicated by the vehicleoperational data is below a predetermined maximum rate of deceleration.8. The computing platform of claim 1, wherein the memory storesadditional computer-readable instructions that, when executed by the atleast one processor, cause the computing platform to transmit a requestto a user device for authorization to change the service provider. 9.The computing platform of claim 1, wherein the memory stores additionalcomputer-readable instructions that, when executed by the at least oneprocessor, cause the computing platform to: determine that the at leastone criterion is no longer satisfied; and generate a second commandconfigured to undo the change.
 10. A method, comprising: receivingvehicle operational data from a computing device via a communicationinterface; determining, based on an analysis of the vehicle operationaldata, whether a criterion is satisfied; generating a first commandconfigured to cause a change of from a first service provider to asecond service provider when the criterion is satisfied; andtransmitting, via the communication interface, the first command to aserver.
 11. The method of claim 10, wherein the computing device is atelematics device.
 12. The method of claim 10, wherein the first andsecond service providers provide insurance coverage.
 13. The method ofclaim 10, wherein the vehicle operational data includes one or more oflocation data, inspection data, speed data, distance traveled data,vehicle information data, braking data, vehicle use data, weather data,environmental data, and acceleration and deceleration data.
 14. Themethod of claim 10, wherein the criterion is satisfied when a speedindicated by the vehicle operational data is below a speed limit. 15.The method of claim 10, wherein the criterion is satisfied when anaverage braking time indicated by the vehicle operational data to cometo a complete stop is above a predetermined average braking time. 16.The method of claim 10, wherein the criterion is satisfied when adeceleration rate is below a predetermined deceleration rate.
 17. Themethod of claim 10 further comprising transmitting a request forauthorization for the change.
 18. The method of claim 10 furthercomprising: determining that the criterion is not satisfied; andgenerating a second command configured to change from the second serviceprovider to the first service provider.
 19. The method of claim 10further comprising generating a notification of the change to cause thenotification to be displayed on a user device.
 20. One or morenon-transitory computer-readable media storing instructions that, whenexecuted by at least one processor, cause the at least one processor to:receive vehicle operational data from a computing device via acommunication interface; identify, based on an analysis of the vehicleoperational data, whether at least one criterion is satisfied; generatea first command configured to cause a change of from a first serviceprovider to a second service provider when the at least one criterion issatisfied; and transmit, via the communication interface, the firstcommand to a server.